Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18048894
Complaint Overview
Complaint ID: 18048894
Company: Capital One Financial Corporation
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Arizona
ZIP Code: 85743
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because Capital One has failed to comply with the Fair Credit Reporting Act ( FCRA ) regarding several fraudulent accounts that are not mine. In XXXX of this year, I submitted a valid FTC Identity Theft Report, a copy of my ID, proof of address, and complete documentation of every fraudulent transaction tied to the affected accounts ( XXXX XXXX and XXXX Capital One accounts ). These accounts were used without my authorization and are now closed, yet they continue to appear on my credit reports. Despite providing all legally required proof, the creditors have refused to assist me and repeatedly sent me in circles ( contact the credit bureau contact the creditor ), resulting in months of non-compliance and no resolution. Under FCRA 605B, once a consumer submits a valid identity theft report, the fraudulent accounts must be blocked within 4 business days. The companies involved have failed to do so. I am requesting immediate enforcement so these fraudulent accounts are permanently blocked and removed from my reports, and that all parties comply with their legal obligations. Please investigate and require Capital One to remove these fraudulent accounts from my credit file immediately. Thank you.
Frequently Asked Questions
What is Complaint #18048894 about?
Complaint #18048894 was filed against Capital One Financial Corporation regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-12-01T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Capital One Financial Corporation?
Yes, visit the Capital One Financial Corporation company profile at readthecomplaint.com/company/capital-one-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.